If saving the most money is your goal, then the best way to get discount auto insurance rates is to regularly compare quotes from insurers who provide car insurance in Kansas City.
- Step 1: Try to comprehend policy coverages and the things you can change to keep rates in check. Many rating criteria that are responsible for high rates such as careless driving and a bad credit rating can be rectified by paying attention to minor details.
- Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can provide price quotes from multiple insurance companies.
- Step 3: Compare the new rate quotes to your existing coverage and see if you can save money. If you can save money and make a switch, make sure coverage does not lapse between policies.
One tip to remember is to try to use identical deductibles and limits on each quote and and to look at every company you can. This guarantees the most accurate price comparison and a thorough price selection.
It’s easy to assume that car insurance companies don’t want you shop around. Drivers who get comparison quotes once a year will most likely move their business because there is a high probability of finding coverage at a cheaper rate. A recent insurance study discovered that people who regularly shopped around saved approximately $860 a year as compared to drivers who never shopped for cheaper rates.
If saving the most money on auto insurance in Kansas City is why you’re here, learning how to quote prices and compare insurance can make it easier to shop your coverage around.
Auto insurance discounts are available to cut your rates
Companies offering auto insurance don’t always list the entire discount list very well, so the below list has some of the best known in addition to some of the lesser obvious credits that may apply to you.
- Full Payment Discount – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
- No Charge for an Accident – Not really a discount, but companies like Allstate, Progressive, and GEICO will let one accident slide before your rates go up with the catch being you have to be claim-free for a specific time period.
- Student Driver Training – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
- Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
- Federal Employees – Simply working for the federal government could qualify for a slight premium decrease depending on your auto insurance provider.
One last thing about discounts, most discounts do not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous. But any discount will reduce your auto insurance premiums.
The illustration below shows the comparison of BMW 328i yearly insurance costs with and without policy discounts. The premiums assume a female driver, no violations or claims, Missouri state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, marriage, and multi-policy discounts applied.
If you would like to view auto insurance companies who offer auto insurance discounts in Missouri, click here.
The most recommended method to get policy rate comparisons for BMW 328i insurance in Kansas City is to realize almost all companies have advanced systems to provide you with a free rate quote. To start a quote, the only thing you need to do is take a few minutes to give details such as how much school you completed, the make and model of your vehicles, if the car is leased, and how you use your vehicles. Your information is then sent to multiple top-rated companies and they provide comparison quotes almost instantly.
To check BMW 328i insurance prices now, click here and see if a lower rate is available in Kansas City.
The companies in the list below provide comparison quotes in Kansas City, MO. If multiple companies are listed, we suggest you visit several of them in order to find the lowest rates.
BMW 328i insurance statistics and information
The table shown below highlights different insurance policy prices for BMW 328i models. Knowing how auto insurance policy rates are figured can assist in making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $186 | $380 | $322 | $20 | $96 | $1,004 | $84 |
| 328I 4-Dr Sedan | $186 | $380 | $322 | $20 | $96 | $1,004 | $84 |
| 328I Station Wagon | $206 | $436 | $274 | $16 | $82 | $1,014 | $85 |
| 328I 2-Dr Coupe | $206 | $436 | $274 | $16 | $82 | $1,014 | $85 |
| 328I 2-Dr Coupe | $206 | $436 | $274 | $16 | $82 | $1,014 | $85 |
| 328I xDrive 4-Dr Sedan | $206 | $436 | $322 | $20 | $96 | $1,080 | $90 |
| 328I xDrive 4-Dr Sedan | $206 | $436 | $322 | $20 | $96 | $1,080 | $90 |
| 328I 2-Dr Convertible | $206 | $436 | $322 | $20 | $96 | $1,080 | $90 |
| 328I 2-Dr Convertible | $206 | $436 | $322 | $20 | $96 | $1,080 | $90 |
| 328I 2-Dr Coupe | $206 | $436 | $274 | $16 | $82 | $1,014 | $85 |
| 328I xDrive 2-Dr Coupe | $206 | $436 | $274 | $16 | $82 | $1,014 | $85 |
| 328I xDrive Station Wagon | $206 | $436 | $274 | $16 | $82 | $1,014 | $85 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in specific location which can affect auto insurance rates considerably.
Raise deductibles and save
The hardest decision when buying coverage is where to set your physical damage deductibles. The rates below can help you visualize the difference in cost when you buy lower versus higher physical damage deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| 328I 4-Dr Sedan | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| 328I Station Wagon | $258 | $470 | $226 | $14 | $68 | $1,061 | $88 |
| 328I 2-Dr Coupe | $258 | $470 | $226 | $14 | $68 | $1,061 | $88 |
| 328I 2-Dr Coupe | $258 | $470 | $226 | $14 | $68 | $1,061 | $88 |
| 328I xDrive 4-Dr Sedan | $258 | $470 | $266 | $16 | $80 | $1,115 | $93 |
| 328I xDrive 4-Dr Sedan | $258 | $470 | $266 | $16 | $80 | $1,115 | $93 |
| 328I 2-Dr Convertible | $258 | $470 | $266 | $16 | $80 | $1,115 | $93 |
| 328I 2-Dr Convertible | $258 | $470 | $266 | $16 | $80 | $1,115 | $93 |
| 328I 2-Dr Coupe | $258 | $470 | $226 | $14 | $68 | $1,061 | $88 |
| 328I xDrive 2-Dr Coupe | $258 | $470 | $226 | $14 | $68 | $1,061 | $88 |
| 328I xDrive Station Wagon | $258 | $470 | $226 | $14 | $68 | $1,061 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 328I 4-Dr Sedan | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| 328I 4-Dr Sedan | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| 328I Station Wagon | $160 | $296 | $226 | $14 | $68 | $764 | $64 |
| 328I 2-Dr Coupe | $160 | $296 | $226 | $14 | $68 | $764 | $64 |
| 328I 2-Dr Coupe | $160 | $296 | $226 | $14 | $68 | $764 | $64 |
| 328I xDrive 4-Dr Sedan | $160 | $296 | $266 | $16 | $80 | $818 | $68 |
| 328I xDrive 4-Dr Sedan | $160 | $296 | $266 | $16 | $80 | $818 | $68 |
| 328I 2-Dr Convertible | $160 | $296 | $266 | $16 | $80 | $818 | $68 |
| 328I 2-Dr Convertible | $160 | $296 | $266 | $16 | $80 | $818 | $68 |
| 328I 2-Dr Coupe | $160 | $296 | $226 | $14 | $68 | $764 | $64 |
| 328I xDrive 2-Dr Coupe | $160 | $296 | $226 | $14 | $68 | $764 | $64 |
| 328I xDrive Station Wagon | $160 | $296 | $226 | $14 | $68 | $764 | $64 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in specific garaging location which can revise premium rates substantially.
Based on these figures, using a $250 deductible will cost you roughly $24 more each month or $288 every year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 31 months between claims, you would save money if you opt for a higher deductible. The illustration below shows an example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $89 |
| Average monthly premium for $1,000 deductibles (subtract): | – $65 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
An important sidenote is that raising deductibles to get cheaper rates results in more money out-of-pocket at claim time. You need enough extra savings in order to pay the deductible for vehicle repair.
The example below illustrates how your deductible choice and can increase or decrease BMW 328i premium costs for different age categories. The information is based on a married male driver, full physical damage coverage, and no other discounts are factored in.
Comparison of full coverage and liability-only policies
The example below shows the difference between BMW 328i insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There is no exact formula of when to eliminate comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your BMW 328i replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after you pay the deductible. If it’s costing you more than $600 annually for physical damage coverage, then it might be time to buy liability only.
There are some conditions where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
When to get advice from an insurance agency
Some people just prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Good insurance agents can help determine the best coverages and help file insurance claims. One of the benefits of price shopping on the web is that you can find cheap rate quotes but still work with a licensed agent. Putting coverage with local insurance agencies is definitely important in Kansas City.
To help locate an agent, after submitting this form (opens in new window), the coverage information is transmitted to insurance agents in Kansas City who will give you quotes to get your business. You never need to search for any insurance agencies because quoted prices will be sent to you instantly. If for some reason you want to compare rates from one company in particular, you would need to find their quoting web page and submit a quote form there.
Listed below is a short list of insurers in Kansas City who can help you get price quotes for BMW 328i insurance in Kansas City.
State Farm: Bret Ohlhausen
8549 N Church Rd – Kansas City, MO 64157 – (816) 781-4960 – View Map
American Family Insurance – Jeff Woody
1300 NW Vivion Rd – Kansas City, MO 64118 – (816) 459-8010 – View Map
American Family Insurance – Clint Cole Agency Inc.
8301 State Line Rd Ste 112 – Kansas City, MO 64114 – (816) 444-7468 – View Map
American Family Insurance – Robert Redmond Agency Inc.
6315 Brookside Plaza #104 – Kansas City, MO 64113 – (816) 361-8600 – View Map
Finding the right company should include more criteria than just the bottom line cost. Any agent in Kansas City should be forthright in answering these questions:
- Where would your vehicle be repaired?
- Which companies do they recommend if they are an independent agency?
- Is there a local claims center in Kansas City?
- Is there a 24/7 contact number?
- Does the agent help file claims?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is working in the agency their full-time job?
- Is the agent CPCU or CIC certified?
After talking to the agent and getting answers to your satisfaction to your questions as well as a price you’re happy with, most likely you have located a company that is reputable and can properly insure your vehicles.
A conclusion for your car insurance search
Some insurance companies may not offer price quotes online and most of the time these smaller companies sell through independent insurance agents. Cheap BMW 328i insurance in Kansas City can be found from both online companies and with local Kansas City insurance agents, so you should compare both in order to have the best price selection to choose from.
When searching for the cheapest BMW 328i rate quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the lowest possible cost, but do not skimp to save money.
For more information, take a look at the articles below:
- Collision Insurance Coverage (Nationwide)
- Who Has Cheap Kansas City Auto Insurance Rates for a Mazda CX-7? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- Insurance losses by make and model (Insurance Institute for Highway Safety)